Privacy Policy
Effective date: Aug 6, 2026 | Last updated: Aug 6, 2026
Complete Car Loans (“Complete Car Loans,” “CCL,” “we,” “us,” “our”) operates completecarloans.com and its dealer subdomains. This policy explains what we collect, why, who we give it to, and the choices you have.
The most important thing to understand: Complete Car Loans is a lead generation and matching service. We are not a lender, a dealer, or a broker, and we do not make credit decisions. When you submit an application, we provide your information to third-party dealers, lenders, and marketing partners, and we are paid for doing so. That is our business model. If you are not comfortable with your information being shared this way, please do not submit the form.
1. Information we collect
Information you give us directly through the application:
- Name, mailing address, email address, and telephone number
- Date of birth
- Social Security number or ITIN
- Employment status, employer, job title, and length of employment
- Income amount and source
- Housing status, monthly housing payment, and time at address
- Vehicle preferences, trade-in details, and down payment amount
- Self-reported credit standing, including bankruptcy and repossession history
Information collected automatically when you use the site:
- IP address, device type, browser type, and operating system
- Pages viewed, referring URL, timestamps, and session activity
- Cookie, pixel, and advertising identifiers
Information we receive from third parties:
- Consumer report and credit attribute data from consumer reporting agencies
- Lead verification and consent-certificate data from our consent verification providers
- Dealer and lender responses regarding your application
2. How we use your information
- To match you with dealers, lenders, and financing partners
- To verify your identity and evaluate eligibility
- To contact you about your inquiry by phone, text message, and email
- To prevent fraud, verify consent, and keep records required by law
- To measure and improve advertising, site performance, and our services
- To comply with legal obligations and respond to lawful requests
3. Credit inquiries — what actually happens
The initial steps of the application use a soft credit inquiry, which does not affect your credit score. A hard credit inquiry may be performed after final submission. In addition, any dealer or lender you are matched with may run its own inquiry under its own policies. Hard inquiries can lower your credit score.
We do not make credit decisions, and we do not guarantee that you will be approved or offered any particular rate or term.
4. Who we share your information with
We share the categories of information described in Section 1 with:
- Dealers and lenders in our partner network, for the purpose of financing your vehicle. Your application may be provided to ONE dealer or lender.
- Marketing partners and lead purchasers, who may contact you about related offers
- Service providers: hosting, analytics, call tracking, CRM, consent certification, and fraud prevention
- Consumer reporting agencies, as permitted by law
- Legal recipients: in response to subpoenas, court orders, or lawful requests, and in connection with a merger, financing, or sale of assets
We sell and share personal information as those terms are defined under California and other state privacy laws. In the preceding 12 months, we disclosed the categories of information listed in Section 1 to the recipients listed above for monetary or other valuable consideration.
We do not knowingly sell or share the personal information of consumers under 16 years of age.
5. Your privacy rights
Depending on where you live, you may have the right to:
- Know what personal information we collect, use, disclose, and sell
- Access a copy of the personal information we hold about you
- Delete your personal information
- Correct inaccurate personal information
- Opt out of the sale or sharing of your personal information and of targeted advertising
- Limit the use and disclosure of sensitive personal information, including your Social Security number
- Appeal a denied request, where your state provides that right
- Not be discriminated against for exercising any of these rights
How to exercise your rights. Submit a request using either of the following methods:
- Email [email protected]
We will verify your identity before acting on a request. An authorized agent may submit a request on your behalf with your written permission. We respond within 45 days, and may extend that period by an additional 45 days where permitted by law.
Do Not Sell or Share My Personal Information. To opt out of the sale or sharing of your personal information, use the Do Not Sell or Share My Personal Information link, which also appears in the footer of every page of this site. We honor Global Privacy Control (GPC) browser signals as valid opt-out requests.
6. Your consent to be contacted
When you submit the application, you provide express written consent for Complete Car Loans and its dealer, lender, and marketing partners to contact you at the telephone number you provide, including by automatic telephone dialing system, artificial or prerecorded voice, and text message, even if that number appears on a federal or state Do Not Call list.
Consent is not a condition of purchase or of receiving any services or financing. Message frequency varies. Message and data rates may apply.
To revoke consent, reply STOP to any text message, tell any caller to stop contacting you, or email [email protected]. Revocation applies to Complete Car Loans. Partners you have already been matched with must be contacted separately to stop their communications.
7. Cookies, tracking, and third-party monitoring
We use cookies, pixels, and similar technologies for analytics, advertising, and attribution. You can control cookies through your browser settings and through the industry opt-out pages at optout.aboutads.info and optout.networkadvertising.org.
This site is monitored by one or more third-party monitoring services that may capture information about your visit to help us improve the quality of our service. You may opt out of the data that capturewerks.com collects on your visit through the universal consumer options page at https://capturewerks.com/Unsub/unsub.html.
8. How we protect your information
We maintain administrative, technical, and physical safeguards designed to protect your personal information, including the measures required of financial institutions under the Gramm-Leach-Bliley Act Safeguards Rule. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. How long we keep your information
We retain personal information for 30 days and consent records for 180 days, after which we delete or de-identify it, unless a longer period is required by law.
10. Children
This site is not directed to children under 16, and we do not knowingly collect their personal information. Applicants must be at least 18 years old.
11. Consent for electronic documents
Consent for electronic documents under the Electronic Signatures in Global and National Commerce Act. Please read this information carefully and print a copy or retain it electronically for future reference.
Introduction. You are submitting an electronic credit application related to the sale and/or financing of an automobile (the “Application”) through a website (a) administered by Complete Car Loans, or (b) maintained by or on behalf of automobile dealers and financial services providers (each, an “Auto Marketing Partner”) that have entered into agreements with Complete Car Loans. The terms “we,” “us,” and “our” in this Consent refer to Complete Car Loans. You are submitting your Application for consideration by Complete Car Loans and other Auto Marketing Partners.
Description of disclosures. You are or may be entitled to receive certain disclosures if you submit your Application, including those that: (a) notify you of the response or decision made in connection with your Application; (b) describe how we collect, use, and disclose nonpublic personal information about you; (c) describe how, with your consent or at your direction, we and our Auto Marketing Partners may collect, use, and share information about you and your Application; and (d) any related documents or notices we are permitted or required to give you under applicable law, including any notice of a breach of security affecting information we maintain about you (collectively, the “Disclosures”).
To submit your Application, you must consent to receive and accept signatures, records, and Disclosures in electronic form. This Consent applies to the Disclosures and to any Application you submit.
Hardware and software requirements. To access electronic Disclosures you will need a computer, smartphone, tablet, or other device with Internet access and a current web browser, software capable of viewing PDF documents, and a working email address. To retain electronic Disclosures, your device must allow you to download and store files or to print web pages. To confirm you can do so, try saving or printing this page.
Withdrawing consent to electronic delivery. Except for email communications and notices about the response or decision made in connection with your Application, you may withdraw your consent to receive Disclosures electronically at any time by writing to [email protected]. We will continue the financing process in non-electronic form at no charge. If you withdraw consent, any Disclosures already provided to you electronically remain legally effective, valid, and enforceable.
Paper copies. To obtain a paper copy of any electronic Disclosure, write to [email protected]. There is no fee for paper copies.
Email address of record. To change the email address associated with your Application, notify us at [email protected]. You agree that the most recent email address we have on file is the address we may use to provide electronic Disclosures.
Consent and acknowledgment. By completing all required fields in the Application and selecting the box that says “I read and agree to the Consent for Electronic Documents,” you certify and agree that:
- You can receive Disclosures electronically, and can access and retain any documents you receive;
- You have access to a device with a current web browser that supports industry-standard encryption;
- You are able to receive and read email at the address provided in your Application and at any updated address you provide;
- You agree to receive documents electronically and will download or print them for your records;
- You acknowledge that this action constitutes your signature on the credit application;
- You acknowledge that you are consenting to receive electronic communications under the Electronic Signatures in Global and National Commerce Act, and intend that statute to apply to your transactions with us to the fullest extent possible.
12. Consent for sharing and use of information
Please read this information carefully and print a copy or retain it electronically for future reference. This Consent supplements this Privacy Policy.
The terms “you” and “your” refer to a consumer who submits an electronic application (the “Application”) requesting services and information connected with the sale and/or financing of automobiles and related products and services (the “Products and Services”) through (a) a website maintained by Complete Car Loans, or (b) a website maintained by or on behalf of nonaffiliated companies that market, provide, or arrange for the sale and/or financing of Products and Services (“Marketing Partners”) and that have marketing agreements with Complete Car Loans.
By completing all required fields in the Application and selecting “I read and agree to the Consent for Sharing and Use of Information,” you understand and agree that:
1. For the purpose of processing your Application and obtaining the Products and Services you requested, we and our Marketing Partners are authorized to collect, use, and disclose among ourselves the nonpublic personal information contained in your Application, including your name, telephone numbers, mailing address, email address, date of birth, Social Security number, employer, income, other employment information, and the Products and Services you requested.
2. Information we receive from consumer reporting agencies in connection with your pre-qualification is used to evaluate and process your Application.
3. If your Application for credit is not approved and accepted, Complete Car Loans is authorized to disclose the information described in paragraph 1 to other nonaffiliated companies and financial services providers that may be able to provide or arrange Products and Services that we or our Marketing Partners cannot provide.
4. We are not liable or responsible to you for any Products and Services provided to you by or on behalf of any Marketing Partner or any other nonaffiliated company or financial services provider.
5. We, our Marketing Partners, and other nonaffiliated companies and financial services providers that receive your information may use it, including your telephone numbers, email address, and mailing address, to contact you directly for marketing and other business purposes, and to obtain additional information about you, including consumer reports, in order to process your Application and provide the Products and Services you requested.
6. We may also use the information in your Application to contact you about other products and services we think may interest you.
Your information-sharing consent remains in effect until you revoke or modify it. You may revoke it at any time by writing to [email protected]. We maintain a true and correct copy of this Consent, and you are entitled to a copy upon request.
13. Changes to this policy
We may update this policy from time to time. Material changes will be posted on this page with a revised “Last updated” date.
14. Contact us
Complete Car Loans
888 W Big Beaver Rd, Troy, MI 48084
[email protected]